I know I would hoard less if I trusted the system for my basic needs. And, if I just get a few more years of good job, I might be ready to stop hoarding (and continue working, just with a lot more mutual aid and independent creator support going out). But, I just don’t think that’s true of my father (RIP), or some of the people I met during my time in Northwest Arkansas; none of them even “millionaires” but all having a real drive to squeeze another penny out of every nickel. And, as you say, we have billionaires: any of them that aren’t just handing out money every waking hour are not behaving ethically. I just don’t know that one the scale of 8b people, or even 300m people, that there aren’t enough natural “hoarders” to ruin everything. But, I’m also sampling from as experience where everyone I meet is steeped in the “water” of Capitalism from the cradle, so maybe there’d be fewer natural “hoarders” in if Captialism hadn’t soaked into us before puberty.